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Central Bank of Russia registration number: 2996

General information Emissions0

Balance Profit Profitability

Capital (f. 134, 123) Ratios (f. 135) IFRS reports

Financial analysis Statutory reports

• Key financial ratios
• Returns and costs
• Financial analysis by 69-T
• Deposit rates by 3194-U
• Financial position

Dynamics of key financial ratios of the bank is presented on this page. Data is available on YTD basis and for each quarter separately. This part of our site is currently under construction. Click column header to view ratio dynamics on flash-chart.

Key financial ratios of the bank since the beginning of each year

	12 mon. 2021	9 mon. 2021	6 mon. 2021	3 mon. 2021	12 mon. 2020	9 mon. 2020	6 mon. 2020	3 mon. 2020	12 mon. 2019	9 mon. 2019	6 mon. 2019	3 mon. 2019
RoA	3,21%	2,56%	2,97%	0,00%	1,82%	0,71%	-0,08%	-3,25%	3,24%	3,48%	0,12%	-0,19%
RoE	8,16%	6,37%	7,45%	0,00%	4,19%	1,52%	-0,18%	-6,40%	6,55%	7,75%	0,24%	-0,39%
Leverage cap. adequacy	2,5 / 39,4%	2,5 / 40,3%	2,5 / 39,9%	2,4 / 41,6%	2,3 / 43,5%	2,1 / 46,7%	2,1 / 48,1%	2,0 / 50,8%	2,0 / 49,5%	2,2 / 44,9%	2,0 / 49,2%	2,1 / 48,7%
NIM	13,79%	13,52%	13,22%	0,00%	12,69%	13,35%	13,40%	13,85%	16,58%	15,87%	18,36%	20,44%
Return on assets	10,20%	9,85%	9,57%	0,00%	9,46%	9,89%	9,94%	10,19%	13,21%	12,74%	14,33%	15,67%
Cost of liabilities	1,52%	1,50%	1,31%	0,00%	0,77%	0,78%	0,76%	0,80%	1,63%	1,73%	1,89%	1,79%
Net spread	8,68%	8,35%	8,26%	0,00%	8,69%	9,11%	9,18%	9,39%	11,58%	11,01%	12,44%	13,88%
Cost / income	67,89%	66,59%	68,57%	0,00%	82,84%	86,81%	97,58%	103,89%	88,60%	88,65%	87,12%	80,46%
Cost of assets	14,43%	13,63%	13,61%	0,00%	16,54%	17,91%	19,04%	21,19%	20,49%	19,43%	22,00%	21,84%
Net assets	976 080	932 050	922 353	868 426	814 679	742 984	713 128	674 333	692 189	729 983	659 535	662 265
Average equity	384 582	375 471	368 247	361 357	354 789	347 021	342 883	342 684	342 469	327 698	324 642	322 587
Average % assets	846 866	845 341	813 484	729 208	688 090	642 913	618 372	608 197	632 569	680 330	618 122	604 586
Average % liabilities	572 708	535 091	530 964	481 155	433 282	367 384	338 565	305 087	343 944	396 194	328 814	332 893
NII	116 796	85 750	53 785	25 226	87 361	64 395	41 433	21 061	104 912	80 985	56 753	30 898
NCI	27 503	19 803	13 055	6 286	24 195	16 182	8 359	3 638	19 122	13 203	8 725	4 129
NCI / NII	23,5%	23,1%	24,3%	24,9%	27,7%	25,1%	20,2%	17,3%	18,2%	16,3%	15,4%	13,4%

Key financial ratios of the bank for the quarter specified

	4 Q 2021	3 Q 2021	2 Q 2021	1 Q 2021	4 Q 2020	3 Q 2020	2 Q 2020	1 Q 2020	4 Q 2019	3 Q 2019	2 Q 2019	1 Q 2019
RoA	5,50%	1,81%	4,28%	0,00%	5,36%	2,30%	2,90%	-3,25%	1,95%	10,23%	0,43%	-0,19%
RoE	13,97%	4,51%	10,73%	0,00%	12,31%	4,92%	6,03%	-6,40%	3,94%	22,78%	0,88%	-0,39%
Leverage cap. adequacy	2,5 / 39,4%	2,5 / 40,3%	2,5 / 39,9%	2,4 / 41,6%	2,3 / 43,5%	2,1 / 46,7%	2,1 / 48,1%	2,0 / 50,8%	2,0 / 49,5%	2,2 / 44,9%	2,0 / 49,2%	2,1 / 48,7%
NIM	14,66%	15,12%	14,04%	0,00%	13,35%	14,28%	13,17%	13,85%	15,13%	14,24%	16,73%	20,44%
Return on assets	11,31%	11,15%	10,26%	0,00%	10,15%	10,53%	9,86%	10,19%	11,73%	12,19%	13,33%	15,67%
Cost of liabilities	1,87%	1,91%	1,57%	0,00%	1,11%	0,94%	0,80%	0,80%	0,53%	2,07%	1,96%	1,79%
Net spread	9,44%	9,24%	8,69%	0,00%	9,04%	9,59%	9,06%	9,39%	11,20%	10,12%	11,37%	13,88%
Cost / income	71,33%	63,26%	66,89%	0,00%	72,57%	70,17%	90,93%	103,89%	88,42%	92,04%	94,49%	80,46%
Cost of assets	16,73%	14,53%	14,10%	0,00%	16,16%	17,06%	17,27%	21,19%	20,21%	18,90%	22,66%	21,84%
Net assets	976 080	932 050	922 353	868 426	814 679	742 984	713 128	674 333	692 189	729 983	659 535	662 265
Average equity	384 582	375 471	368 247	361 357	354 789	347 021	342 883	342 684	342 469	327 698	324 642	322 587
Average % assets	846 866	845 341	813 484	729 208	688 090	642 913	618 372	608 197	632 569	680 330	618 122	604 586
Average % liabilities	572 708	535 091	530 964	481 155	433 282	367 384	338 565	305 087	343 944	396 194	328 814	332 893
NII	31 046	31 965	28 559	25 226	22 966	22 962	20 372	21 061	23 927	24 232	25 855	30 898
NCI	7 700	6 748	6 769	6 286	8 013	7 823	4 721	3 638	5 919	4 478	4 596	4 129
NCI / NII	24,8%	21,1%	23,7%	24,9%	34,9%	34,1%	23,2%	17,3%	24,7%	18,5%	17,8%	13,4%

Ratios calculation methodics:
Average amounts for quarter are computed as arithmetic average of amounts on each report date. Average amount since the beginning of the year - arithmetic average for all quarters since the beginning of the year.

RoA - Return on average Assets - retained earnings for the period divided by average net assets.
RoE - Return on average Equity - retained earnings for the period divided by average equity (without subordinated debt).
Leverage - averate net assets divided by average equity (without subordinated debt).
Capital adequacy = 1 / Leverage.
NIM - net profit margin, net interest income divided by average interest-earning assets.
Return on earning assets - interest income divided by average earning assets.
Cost of liabilities - interest expenses divided by average interest-bearing liabilities.
Net spread = Return on earning assets - Cost of libilities.
Cost / income - operatioal effectiveness ratio, operatioal expenses divided by operatioal income before provision for impairment of loans.
Cost of assets - effectiveness ratio, operatioal expenses divided by average net interest assets (Net assets less High-liquid and Other assets).
NII - net interest income, interest income less interest expenses.
NCI - net fee and commission income, commission income less commission expenses.